Health and disability insurance products

Health and disability insurance is an important part of your financial security plan. There are 5 categories to choose from, depending on what you need and what stage of life you’re at.

Critical illness insurance

Focus on getting better in the event of an illness like cancer or stroke.

Disability insurance

Make sure you can pay the bills if you have to take time off work because of an accident or illness.

Healthcare insurance

Be reimbursed for healthcare expenses that aren’t covered under government plans.

Accident insurance Accirance Select

Receive a lump-sum benefit in the event of accidental death, dismemberment, loss of use, fracture or coma. You can also receive a set amount to cover hospital and paramedical expenses, and certain educational expenses.

Your needs

Insurance to replace or top up group insurance coverages


You want to…	Disability insurance	Healthcare insurance	Accirance Select accident insurance
get the equivalent of group insurance coverage	Monthly benefit in the event of disability	Reimbursement of healthcare expenses	Benefit in the event of an accident
have a replacement for your income in case you’re unable to work		Not included	Not included
be reimbursed for healthcare expenses that aren’t covered under government plans	Not included	Dental care, vision care, physiotherapy, etc.	Not included
receive a benefit in case of an accident to cover your hospital bills	Not included	Not included
limit the impact of an accident on your business (for self-employed workers and business owners)		Not included	Not included

Insurance to reduce the financial impacts of a health problem


You want to…	Critical illness insurance	Life insurance with long-term care advance
receive a benefit in the event of a critical illness or a loss of independence	Lump-sum payment	Monthly benefit
leave something behind for your loved ones	Not included
be able to focus on getting better in case of critical illness without having to worry about your finances		Not included
limit the impact of a critical illness on your business (for self-employed workers and business owners)		Not included
provide your children with the start of a solid financial plan		Not included
get the best possible care in case of loss of independence without having to dip into your savings or go into debt
remain independent and choose where you receive care (at home or in a private facility)